You and I share a common satisfaction. I have no regrets retiring 30 years ago after paying off my house (never had cable nor a cell phone giving me 20 more retirement years, LOL! Though I did have to work another 10 years for my Mac). Despite holding a lot of stock, a couple friends died before they paid off their bigger houses, choosing instead to delay retirement for tax and SS benefits. Poor souls never experienced doing things in their own time on a daily basis as I have now for decades. Good to know a few of us are around to do that. Tomorrow is never granted. Been going strong for eight years following a surprise stroke happening, thank God, a few weeks after getting on medicare. Recognizing the advantages of my life style, both my sons, not yet retired, live in free and clear homes also driving free and clear older Jeeps. Subsequently, their minds are free to help deal with the inevitable mid life surprises without having to shuffle debt obligations.